The ISSI-Link technology is an enhanced substitute for the current NFC mobile payment technology as it supports a 100% secure, reliable, and continuous peer-to-peer transaction. With implementing the new technology, users are able to complete any mobile-to-mobile, mobile to POS, mobile to ATM transactions without a need to carry any physical cards. In addition, this technology allows users to store their point/rewards cards as well as gift and payment cards into their phones to present and use them in only one transaction between their mobile phones and the POS terminals, finalizing the process with receiving merchant receipt on their phones. The technology also allows any merchant to accept payments from its clients without using a dongle such as the Square. This technology has the ability to introduce virtual cash or virtual bankcards as the ATM machines will be enabled to imprint virtual cash or cards to your mobile phones to use in any POS enabled terminals.